Clinical Resource - 2016 Benefits Guide

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Questions: Call 1-866-4ASSIST (427-7478) or visit us at
If you aren't clear about any of the underlined terms used in this form, see the Glossary. You can view
the Glossary at www.dol.gov/ebsa/healthreform or call 1-866-4ASSIST (427-7478) to request a copy. 1 of 8
SBC0098W051920160951
HUMANA EMPLOYERS HEALTH PLAN OF GA/HUMANA INS
CO: CR NPOS EHDHP 16 DED/COINS OV,IP,OP Coverage Period: Beginning on or after 07/01/2016
Summary of Benefits and Coverage: What this Plan Covers & What it Costs Coverage For: Individual + Family | Plan Type: NPOS-HDHP
This is only a summary. If you want more detail about your coverage and costs, you can get the complete terms in the policy or
plan document at or by calling 1-866-4ASSIST (427-7478).
Important Questions Answers Why this Matters:
What is the overall
deductible?
Network:
$2,900 Individual / $5,800 Family
Non-Network:
$8,700 Individual / $17,400 Family
Doesn't apply to preventive services.
Co-insurance and co-payments don't
count toward the deductible
You must pay all the costs up to the deductible amount before this plan begins to
pay for covered services you use. Check your policy or plan document to see
when the deductible starts over (usually, but not always, January 1st). See the
meet the deductible .
chart starting on page 2 for how much you pay for covered services after you
Are there other
deductibles for specific
services?
No. You don't have to meet deductibles for specific services, but see the chart
starting on page 2 for other costs for services this plan covers.
Is there an out-of-pocket
limit on my expenses
Yes. For Network providers
$5,000 Individual / $10,000 Family
For Non-Network providers
$15,000 Individual / $30,000 Family
The out-of-pocket limit is the most you could pay during a coverage period
(usually one year) for your share of the cost of covered services. This limit helps
you plan for health care expenses.
What is not included in
the out-of-pocket limit?
Premiums, Balance-billed charges, Health
care this plan doesn't cover, Penalties,
Non-network transplant,
Out-of-network Co-Insurance
Even though you pay these expenses, they don't count toward the out-of-pocket
limit .
Is there an overall annual
limit on what the plan
pays?
No.
specific covered services, such as office visits.
The chart starting on page 2 describes any limits on what the plan will pay for
Does this plan use a
network of providers?
Yes. See or call
1-866-4ASSIST (427-7478) for a list of
Network providers.
For Prescription Drugs: National Rx
Network
If you use an in-network doctor or other health care provider , this plan will pay
some or all of the costs of covered services. Be aware, your in-network doctor or
hospital may use an out-of-network provider for some services. Plans use the
term in-network , preferred , or participating for providers in their network. See
the chart starting on page 2 for how this plan pays different kinds of providers.
Do I need a referral to
see a specialist?
No. You can see the specialist you choose without permission from this plan.
High Deductible Health Plan